Andhra Bank E Auction Sale Notice
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Annual Report 2014-15.Pdf
Inauguration of Our Bank’s Sabarimala Sannidhanam branch for Mandala Makaravilakku season 2014-15 on 17th Nov 2014 by Sri V S Sivakumar , Hon’ble Minister for Health and Devaswoms in the presence of Sri P K Kumaran, Hon’ble Member, Travancore Devaswom Board, Sri P Venugopal IAS, Hon’ble Devaswom Commissioner, Sri V S Jayakumar, Executive Officer, Travancore Devaswom Board, Sri P G Jayakumar, Managing Director & CEO and Sri P Manikandan, Chief General Manager of Our Bank. A Glimpse of Our Bank’s 87th Annual General Meeting Registered and Corporate Office Dhanlaxmi Bank Limited, P. B. No. 9, Dhanalakshmi Buildings Naickanal, Thrissur – 680 001. Kindly refer to the website for other offices. Company Secretary Krishnan K. S. Auditors Sagar & Associates, Chartered Accountants, Hyderabad Legal Advisors M/s B. S. Krishnan Associates, Ernakulam M/s Varghese & Jacob, Ernakulam M/s C. K. Karunakaran & Associates, Ernakulam Stock Exchanges National Stock Exchange of India Limited (NSE) BSE Limited (formerly known as Bombay Stock Exchange Limited) Registrar & Transfer Agents Karvy Computershare Private Limited, Plot No. 17-24 Vithal Rao Nagar, Madhapur, Hyderabad – 500 081 1 Table of Contents 3 Directors’ Report 56 Balance Sheet 21 Management Discussion and Analysis Report 57 Profit & Loss Account 37 Report on Corporate Governance 58 Cash Flow Statement 54 Independent Auditor’s Report 60 Schedules www.dhanbank.com 2 Directors’ Report To The Members, Deposits The total deposits of the Bank increased to `12381.68 crore from The Board of Directors is pleased to place before you, the 88th ` 12133.21 crore as on March 31, 2014 registering a growth of Annual Report of the Bank along with the Audited Balance Sheet 2.05%. -
SMERA – COCA Report
SMERA Code of Conduct Assessment C1 (Excellent performance of the MFI on Code of Conduct dimensions) SMERA Code of Conduct Assessment Svasti Microfinance Private Limited Date of Report: June 15, 2021 To verify the grading, please scan the QR code Valid till: June 14, 2022 SMERA’s Code of Conduct Assessment Grading Scale Grading Scale Definitions C1 Excellent performance of the MFI on Code of Conduct dimensions C2 Good performance of the MFI on Code of Conduct dimensions C3 Average performance of the MFI on Code of Conduct dimensions C4 weak performance of the MFI on Code of Conduct dimensions C5 Weakest performance of the MFI on Code of Conduct dimensions Assessment on Code of Conduct has been done on the indicators pertaining to Transparency, Client Protection, Governance, Recruitment, Client Education, Feedback & Grievance Redressal and Data Sharing. Some of these indicators have been categorized as Higher Order indicators consisting of indicators on Integrity and Ethical Behaviour and Sensitive Indicators. To verify the grading, please scan the QR code 2 Conflict of Interest Declaration SMERA (including its holding company and wholly owned subsidiaries) has not been involved in any assignment of advisory nature for a period of 12 months preceding the date of the comprehensive grading. None of the employees or the Board members of the SMERA have been a member of the Board of Directors of the MFI for a period of 12 months preceding the date of the comprehensive grading. Disclaimer SMERA’s Ratings / Gradings / Due Diligence and other credit assessment related services do not constitute an audit of the rated entity and should not be treated as a recommendation or opinion that is intended to substitute for a buyer’s or lender’s independent assessment. -
State District Name of Bank Bank Branch/ Financial Literacy Centre
State District Name of Bank Branch/ Address ITI Code ITI Name ITI Address State District Phone Email Bank Financial Category Number Literacy Centre Bihar Araria State Araria Lead Bank Office, PR10000055 Al-Sahaba Industrial P Alamtala Forbesganj Bihar Araria NULL Bank of ADB Building, Training Institute India Araria, Pin- 854311 Bihar Arwal PNB ARWAL ARWAL PR10000083 Adarsh ITC P Umerabad Bihar Arwal NULL Bihar Arwal PNB ARWAL ARWAL PR10000284 Shakuntalam ITC P Prasadi English Bihar Arwal NULL Bihar Arwal PNB ARWAL ARWAL PR10000346 Aditya ITC P At. Wasilpur, Main Road, Bihar Arwal NULL P.O. Arwal, Bihar Arwal PNB ARWAL ARWAL PR10000396 Vikramshila Private P At. Rojapar, P.O. Arwal Bihar Arwal NULL ITI Bihar Arwal PNB ARWAL ARWAL PR10000652 Ram Bhaman Singh P At-Purani Bazar P.o+P.S- Bihar Arwal NULL Private ITI Arwal Bihar Arwal PNB ARWAL ARWAL PR10000677 Sukhdeo Institute Of P Kurtha, Arwal Bihar Arwal NULL Tecnology Private ITI, Bihar Arwal PNB ARWAL ARWAL PR10000707 Dr. Rajendra Prasad P Mubarkpur, Kurtha Arwal Bihar Arwal NULL Private ITI, Bihar Aurangabad PUNJAB DAUDNAGAR DAUDNAGAR PR10000027 New Sai Private ITI- P Aurangabad Road, Bihar Aurangabad NULL NATIONA Bhakharuan More, , Tehsil- L BANK Daudnagar , , Aurangabad - 824113 Bihar Aurangabad PUNJAB AURANGABAD AURANGABAD PR10000064 Adharsh Industrial P Josai More Udyog Bihar Aurangabad NULL NATIONA Training Centre Pradhikar Campus L BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000108 Sardar Vallabh Bhai P Daudnagar Bihar Aurangabad NULL BIHAR Patel ITC, Daudnagar GRAMIN BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000142 Adarsh ITC, P AT-,Growth centre ,Jasoia Bihar Aurangabad NULL BIHAR Daudnagar More Daudnagar GRAMIN BANK Bihar Aurangabad PUNJAB RATANUA RATANUA PR10000196 Progresive ITC P At-Growth Center Josia Bihar Aurangabad NULL NATIONA More L BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000199 Arya Bhatt ITC P Patel Nagar, Daud Nagar Bihar Aurangabad NULL BIHAR GRAMIN BANK Bihar Aurangabad PUNJAB OLD GT RD. -
List of Indian Public Sector Banks :- (Click to Visit the Website of the Bank)
List of Banks in India - 2014 Directory of Public Sector / Private Sector / Foreign Banks List of Indian Public Sector Banks :- (Click to visit the website of the Bank) Nationalized Banks, State Bank Group Banks have been included here as PS Banks : Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Limited Indian Bank Indian Overseas Bank IDBI Bank Industrial Development Bank of India Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank Of India Vijaya Bank (a) The following two State Bank Group Banks have since been merged with SBI) State Bank of Indore (since merged with SBI) State Bank of Saurashtra (since merged with SBI) ( b) New Bank of India (a nationalised bank) was merged with Punjab National Bank in 1993 List of Private Sector Banks in India Ads by Google Axis Bank Catholic Syrian Bank Ltd. IndusInd Bank Limited ICICI Bank ING Vysya Bank Kotak Mahindra Bank Limited Karnataka Bank Karur Vysya Bank Limited. Tamilnad Mercantile Bank Ltd. The Dhanalakshmi Bank Limited. The Federal Bank Ltd. The HDFC Bank Ltd. The Jammu & Kashmir Bank Ltd. The Nainital Bank Ltd. The Lakshmi Vilas Bank Ltd Yes Bank copied from www,allbankingsolutions.com List of Private Sector Banks Since Merged with other banks The Nedungadi Bank (merged with -
ANSWERED ON:17.10.2008 MERGER of LORD KRISHNA and CENTURION BANKS with HDFC Manoj Dr
GOVERNMENT OF INDIA FINANCE LOK SABHA UNSTARRED QUESTION NO:17 ANSWERED ON:17.10.2008 MERGER OF LORD KRISHNA AND CENTURION BANKS WITH HDFC Manoj Dr. K.S. Will the Minister of FINANCE be pleased to state: (a) whether the Lord Krishna Bank and Centurion Bank of Punjab have merged with HDFC Bank; (b) if so,the details thereof; (c) whether the RBI has given permission for this merger; (d) if so,the effect of this merger on the branches of Lord Krishna and Centurion Bank and the employees of these Banks;and (e) the steps taken by the Government to protect the interests of the employees? Answer The Minister of State in the Ministry of Finance (Shri Pawan Kumar Bansal) (a) to (d): Reserve Bank of India sanctioned the Schemes of amalgamation of Lord Krishna Bank Ltd. (LKBL) with Centurion Bank of Punjab (CBOP) Ltd. w.e.f. 29.08.2007, and Centurion Bank of Punjab Ltd. with the HDFC Bank Ltd. w.e.f.23.05.2008 under Section 44A( 4) ofthe Banking Regulation Act, 1944.The branches of the transferor banks became the branches of the transferee banks with effect from the date of amalgamations. (e): The Scheme of amalgamation of LKBL with CBOP provided for continuation of all the employees of LKBL in service on the Effective Date as employees of CBOP Ltd. without any break or interruption in service, on emoluments and benefits and terms and conditions of service which are no less favourable to the employees than those on which they were employed with LKBL as on the date immediately preceding the Effective Date.Further,it also provided that the provident fund, superannuation fund or any other special scheme(s), fund(s) created or existing for the benefit of the employees of LKBL,on and from the Effective Date, shall stand transferred to CBOP Ltd.The above provisions have also been incorporated in the Scheme of amalgamation of CBOP with the HDFC Bank Ltd.. -
Annual Report 2016-17.Pdf
Registered and Corporate Office Dhanlaxmi Bank Limited, P. B. No. 9, Dhanalakshmi Buildings Naickanal, Thrissur – 680 001 Kindly refer to the website for other offices Company Secretary Santosh Kumar Barik Secretarial Auditor M. Vasudevan, Practicing Company Secretary, Thrissur Auditors Sridhar & Co, Chartered Accountants, Thiruvananthapuram Legal Advisors M/s. Menon & Pai, Ernakulam M/s. B. S. Krishnan Associates, Ernakulam M/s. Varghese & Jacob, Ernakulam M/s. C. K Karunakaran & Associates, Ernakulam Stock Exchanges National Stock Exchange of India Limited (NSE) BSE Limited (formerly known as Bombay Stock Exchange Limited) Registrar & Transfer Agents Karvy Computershare Private Limited, Karvy Selenium Tower B, Plot No. 31 & 32, Gachibowli, Financial District, Nanakramguda, Serilingampally, Hyderabad – 500 032 www.dhanbank.com 1 Table of Contents 3 Directors Report 58 Balance Sheet 19 Management Discussion and Analysis Report 59 Profit & Loss Account 32 Report on Corporate Governance 60 Cash Flow Statement 55 Independent Auditor’s Report 62 Schedules Vision Banking on Relationships forever Mission To Become a Strong and Innovative Bank with Integrity and Social Responsibility to Maximise Customer Satisfaction as well as that of the Employees, Shareholders and the Society. 2 Directors’ Report Dear Shareholders, Capital Adequacy Ratio stood at 10.26% as on March 31, 2017 compared to 7.51% as on March 31, 2016. It gives the Board pleasure to place before you the highlights Total Capital adequacy as at March 31, 2017 stood of your Bank’s performance during the financial year 2016-17. at 10.26% with Tier I ratio at 9.01% and Tier II Capital at Details of the achievements and initiatives taken by the Bank 1.25%. -
Relationship Between Merger Announcement and Stock Returns: Evidence from Indian Banking”
“Relationship between merger announcement and stock returns: evidence from Indian banking” Muneesh Kumar AUTHORS Shalini Kumar Laurence PORTEU De La Morandiere Muneesh Kumar, Shalini Kumar and Laurence PORTEU De La Morandiere ARTICLE INFO (2011). Relationship between merger announcement and stock returns: evidence from Indian banking. Banks and Bank Systems, 6(4) RELEASED ON Wednesday, 08 February 2012 JOURNAL "Banks and Bank Systems" FOUNDER LLC “Consulting Publishing Company “Business Perspectives” NUMBER OF REFERENCES NUMBER OF FIGURES NUMBER OF TABLES 0 0 0 © The author(s) 2021. This publication is an open access article. businessperspectives.org Banks and Bank Systems, Volume 6, Issue 4, 2011 Muneesh Kumar (India), Shalini Kumar (India), Laurence Porteu de La Morandiere (France) Relationship between merger announcement and stock returns: evidence from Indian banking Abstract This paper examines the relationship between merger announcements with the stock returns in the Indian Banking during the period of 1999-2008. Using event study methodology, it attempts to ascertain whether the bidder banks experience significant abnormal returns during the post-announcement and pre-announcement periods. The results indicate that bidder banks may or may not experience any significant abnormal returns during the post-announcement period. No bank specific characteristics could explain the pattern of market reaction to merger announcements. How- ever, significant abnormal returns were observed in daily share prices in majority of the cases, during the pre- announcement period, indicating possibility of leakage of information in the market. Keywords: mergers in banks, merger announcement, consolidation in banking, market reaction, event study methodology, abnormal stock returns, pre-announcement, post-announcement, bidder banks, facilitated mergers, market driven mergers. -
View Annual Report
Experiential Leadership Enabling Personalized Customer Journeys Through Technology Annual Report 2017-18 HIGHLIGHTS Net Profit 17,487 crore An increase of 20.2% compared to the previous year. Balance Sheet Size 1,063,934 crore An increase of 23.2% compared to the previous year. Total Deposits 788,771 crore An increase of 22.5% compared to the previous year. Total Advances 658,333 crore An increase of 18.7% compared to the previous year. Capital Adequacy Ratio 14.8% Tier I Capital Ratio 13.2% Gross Non-performing Assets 1.30% of Gross Advances Network Banking outlets: 4,787 ATMs: 12,635 Cities/Towns: 2,691 TABLE OF CONTENTS Board and Management 2 AGM and Record Date Details 5 Evolving into an Experience Business, Digitally 6 Parivartan – A Step towards Progress 10 Working with the Government 12 Graphical Highlights 14 Financial Highlights 18 Directors’ Report 20 Independent Auditors’ Report 77 Financial Statements 80 Basel III- Pillar 3 Disclosures 155 Independent Auditors’ Report for 156 Consolidated Financial Statements Consolidated Financial Statements 160 Secretarial Auditor’s Certificate 209 on Corporate Governance Corporate Governance 210 Shareholder Information 234 BOARD AND MANAGEMENT BOARD OF DIRECTORS Shyamala Gopinath Bobby Parikh Partho Datta Malay Patel Chairperson Umesh Chandra Srikanth Nadhamuni Keki Mistry Sarangi Aditya Puri Paresh Sukthankar Kaizad Bharucha Managing Director Deputy Managing Director Executive Director KEY MANAGERIAL PERSONS Aditya Puri Paresh Sukthankar Kaizad Bharucha Managing Director Deputy Managing Director -
NRI Form.Cdr
100% PANTONE 2622 C PRODUCT APPLICATION FORM FOR NON RESIDENT INDIVIDUALS (To be filled by applicant only) Please fill the form in block letters only. (*Mandatory fields) For office use only Branch Name: Branch Code Br. Staff Emp. No. Customer ID Account No. Date D D M M Y Y Y Y ACCOUNT DETAILS Please open my/our account (More than one type of account can be opened if all the applicants including the primary applicant remain the same.) Applicant’s Name F I R S T M I D D L E L A S T Existing Customer Yes No (If No, in addition to this form please fill up the Relationship form for each applicant) Account Type* NRO Savings NRO Current NRE Savings NRE Current NRO Fixed Deposit NRE Fixed Deposit FCNR NRO DCDC NRE DCDC DMM Operating Instruction* Self Either or Survivor Former/Latter or Survivor Anyone or Survivor Jointly by all Minor account (operated by guardian) FIXED DEPOSIT DETAILS Deposit Amount Currency______________________ Tenure__________ Months________ Days Amount (in word) ___________________________________________________________________________ Rate of Interest ________________ p.a. Please send the Fixed Deposit advice by courier INTEREST PAYMENT & MATURITY INSTRUCTION Interest Payment Maturity Instructions Monthly Quarterly Half Yearly Yearly Renew Principal plus interest Renew Principal & pay interest Auto Renewal Do not renew Payment Mode Payment Mode Banker’s Cheque Banker’s Cheque Credit to SB/Current A/c no_______________________________________ Credit to SB/Current A/c no_______________________________________ Draft Payable at __________________________________________ Branch Draft Payable at __________________________________________ Branch COMMUNICATION ADDRESS* *Please provide complete address as all deliverables will be sent to your communication address. -
Banking Annual DATABASE
bank-datatable-2021-revised.qxd 29/01/2021 07:00 PM Page 2 Banking Annual DATABASE (In ~ crore) FY 2019 FY 2020 % chg (In ~ crore) FY 2019 FY 2020 % chg PRIVATE BANKS FOREIGN BANKS City Union Bank 32,673 33,927 3.8 J P Morgan Chase 13,800 14,683 6.4 CSB Bank 10,615 11,366 7.1 Societe Generale 1,495 1,574 5.3 DCB Bank 23,568 25,345 7.5 Standard Chartered Bank 66,838 76,214 14.0 Dhanlaxmi Bank 6,289 6,496 3.3 Sumitomo Mitsui 6,920 10,920 57.8 Federal Bank 1,10,223 122,268 10.9 HDFC Bank 8,19,401 993,703 21.3 ICICI Bank 5,86,647 645,290 10.0 GROWTH: DEPOSITS IDBI Bank 1,46,790 129,842 -11.5 IDFC First Bank 86,302 85,595 -0.8 PUBLIC SECTOR BANKS IndusInd Bank 1,86,394 206,783 10.9 Bank of Baroda 9,15,159 9,45,984 3.4 Jammu and Kashmir Bank 66,272 64,399 -2.8 Bank of India 5,20,862 5,55,505 6.7 Karnataka Bank 54,828 56,964 3.9 Bank of Maharashtra 1,40,650 1,50,066 6.7 Karur Vysya Bank 48,581 46,098 -5.1 Canara Bank 5,99,033 6,25,351 4.4 Kotak Mahindra Bank 2,05,695 219,748 6.8 Central Bank of India 2,99,855 3,13,763 4.6 Nainital Bank 3,516 3,829 8.9 Indian Bank 2,42,076 2,60,226 7.5 RBL Bank 54,308 58,019 6.8 Indian Overseas Bank 2,22,534 2,22,952 0.2 South Indian Bank 62,694 64,439 2.8 Punjab & Sind Bank 98,558 89,668 -9.0 Tamilnad Mercantile Bank 26,488 27,716 4.6 Punjab National Bank 6,76,030 7,03,846 4.1 Yes Bank 2,41,500 171,443 -29.0 State Bank of India 29,11,386 32,41,621 11.3 UCO Bank 1,97,907 1,93,203 -2.4 SMALL FINANCE BANKS Union Bank of India 4,15,915 4,50,668 8.4 AU Small Finance Bank 22,819 26,992 18.3 Equitas Small Finance Bank -
POLICY on BANK DEPOSITS Date: July, 2018
Dhanlaxmi Bank Policy on Bank Deposits DHANLAXMI BANK POLICY ON BANK DEPOSITS Date: July, 2018 Page 1 of 17 Dhanlaxmi Bank Policy on Bank Deposits DOCUMENT DETAILS Document Title Dhanlaxmi Bank – Policy on Bank Deposits Document Version 2018 Prepared By Business Development and Planning Department Reviewed By Business Development and Planning Department Approved by Board of Directors, Dhanlaxmi Bank Effective Date July, 2018 DOCUMENT CHANGE CONTROL Sr.No Name Designation Purpose 1. Mr. Manikandan P Chief General Manager Review and Sign off 2 Mrs. Sreeja K Chief Manager Review 3 Mr. Sandeep Ramachandran Assistant Manager Author DOCUMENT VERSION HISTORY Sr.No. Date of Document Version Remarks 1 16/07/2018 2018 Revised Page 2 of 17 Dhanlaxmi Bank Policy on Bank Deposits Table of Contents 1. Preface ................................................................................................................................................ 4 2. Types of Deposit Accounts ............................................................................................................... 4 3. Account Opening and Operation of Deposit Accounts………………………………………...…5 4. Interest Payments.............................................................................................................................. 8 5. Manner of Calculation of Interest ................................................................................................... 8 6. Minimum Period of Term Deposits .............................................................................................. -
Investor Presentation
30-Jun-17 INVESTOR PRESENTATION 1 Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Overview of Organization Structure Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet comparison Way Forward 2 1 30-Jun-17 Dhanlaxmi Bank- Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 89 years that followed, earned the trust and goodwill of clients. Our strength is the number of customers, scale of business, breadth of our product offerings, banking experience we offer and the trust that people invest in us. With 260 branches and 680 touch points across 15 States and 1 Union Territory; our focus has always been on customizing services and personalizing relations. 3 Key Milestones 2017 : Raised Rs. 1200.00 million Equity capital through Preferential Allotment issue. 2016 : Raised Rs. 841.9 million of Equity capital through Preferential Allotment issue. 2014 : Raised Rs. 2296 million of Equity through Preferential Allotment issue. 2013 : Raised Rs. 1839.83 million of Equity through Qualified Institutional Placement and Preferential Allotment issue. 2012 : Awarded the Asian Banker Technology Implementation award - International award for Best branch automation 2011 : Awarded the “Best Mid-sized Bank in Growth Category” by Business Today- KPMG survey. Awarded the Information Week EDGE Award 2011 for IT transformation 2010: Launched new “Dhanlaxmi Bank” brand. Total business * of Rs. 1,00,000 Million. Raised Rs.3,800 Millions by way of Qualified Institutional Placement . Opened 250 th branch. 2009 : Recorded net profit of Rs.574.5 Million.